PM Banking

Write a credit memo for a lending decision: borrower story, facility structure, repayment sources, financial-ratio spread with covenant headroom, risk factors with mitigants, risk-rating rationale, and a recommendation. Use when asked to write a credit memo, credit application, credit paper, loan write-up, or prepare a deal for credit committee. Produces a complete credit memo ready for committee review.

Write an internal KYC/AML escalation memo: a factual time-stamped trigger description, customer-profile vs activity mismatch analysis, red-flag taxonomy mapping, outstanding information, and a recommendation with rationale. Use when asked to escalate a KYC alert, document an AML concern, write up unusual-activity findings for compliance review, or prepare an enhanced due diligence referral. Produces a structured internal escalation memo for a compliance team's decision-makers.

Write a portfolio-level lending risk brief: concentration analysis by sector, geography and single name, vintage performance, migration matrix narrative, macro-sensitivity scenarios, top watch names, and actions. Use when asked to write a portfolio risk report, credit risk committee brief, loan book review, or quarterly portfolio quality update. Produces a structured risk brief with concentration tables, migration narrative, scenario read, watch list, and recommended actions.

Run a quarterly loan covenant compliance review: covenant table with required vs actual vs headroom, trend and trajectory-to-breach analysis, waiver and amendment options with pricing implications, early-warning indicators, and a watch-list recommendation. Use when asked to review covenant compliance, check covenant headroom, assess a potential covenant breach, or prepare a quarterly borrower monitoring review. Produces a structured covenant review with headroom table, trajectory analysis, and recommended actions.